---
canonical_url: https://lendb.ai/s/vacation-home/south-dakota
last_verified: 2026-10-26
---

# Vacation home loan officers in South Dakota

As of 2026-10-26, LenDb lists 6 loan officers licensed in or based in South Dakota whose lender pages show Vacation home work. The top-ranked are Norah Gondeck (Bell Bank, Minneapolis), Steve Ennis (Plains Commerce Bank, Sioux Falls) and Robyn Kloner (Bell Bank, Gilbert). Ranking is lender-neutral: specialty evidence first, then a license in SD, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Norah Gondeck](https://lendb.ai/lo/norah-gondeck-341214)** (NMLS 341214), Bell Bank, Minneapolis, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 43 years of experience (lender page, 2026-10-16)
2. **[Steve Ennis](https://lendb.ai/lo/steve-ennis-462436)** (NMLS 462436), Plains Commerce Bank, Sioux Falls, SD
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - Office in Sioux Falls, SD
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Earliest state license record: January 9, 2023 (Iowa), per state regulator
3. **[Robyn Kloner](https://lendb.ai/lo/robyn-kloner-174903)** (NMLS 174903), Bell Bank, Gilbert, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Kimberly Allen](https://lendb.ai/lo/kimberly-allen-839961)** (NMLS 839961), Bell Bank, Woodbury, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
5. **[Kala Wilson](https://lendb.ai/lo/kala-wilson-1381070)** (NMLS 1381070), Bell Bank, Minneapolis, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Luke Kinsey](https://lendb.ai/lo/robert-kinsey-1938446)** (NMLS 1938446), Three Point Mortgage LLC
   - Lists Vacation home on lender page (lender page, verified 2026-10-26)
   - SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 24, 2020 (Florida), per state regulator
   - States 6 years of experience (lender page, 2026-10-15)

## Questions to ask

- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/south-dakota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._